Planning a multi-night ocean cruise? Add Cruise Benefits to your RACV Travel Insurance so you can relax and enjoy the voyage ahead.** River cruises are already covered.ǂǂ
International travel insurance cover options
Every trip is different. Choose from 3 levels of international cover to fit your trip and budget. All RACV International policies include unlimited overseas medical and hospital cover.^
Any product information on this page is a summary only. Review each section of the combined PDS/FSG for terms, conditions, exclusions, limits, sub-limits, and any general exclusions that apply.
What does RACV International Travel Insurance cover?
A lot can happen while travelling abroad. RACV Travel Insurance includes cover for a wide range of unexpected events, from medical emergencies to lost luggage.
Why choose RACV?
Additional cover options for your trip
Flexible cover options for different types of travel
Frequently asked questions
It depends on which countries you’re visiting. Some countries require proof of medical travel insurance before you can obtain a visa, so it’s important that you do your research before heading off.
However, even if insurance isn’t required it's strongly recommended before any international trip. Here’s why international travel insurance is important:
- Overseas emergency costs can be significant: A hospital stay, emergency surgery or medical evacuation in another country can run into tens of thousands of dollars.
- Plans change: Illness, family emergencies or circumstances outside your control can force you to cancel or cut a trip short, often with non-refundable costs already paid.
- Lost luggage: If your luggage is lost or stolen, replacing your clothes, electronics and essentials typically comes out of your pocket.
- Accidents happen: If you cause an injury to someone while overseas, you could be personally liable for damages.
RACV offers 3 levels of cover for single international trips - Comprehensive, Essentials and Basics – along with Annual Multi-Trip for frequent overseas travellers. All RACV international insurance plans include $unlimited overseas medical and hospital cover^, 24-hour overseas emergency assistance and cover for lost luggage. RACV Members save 15%.*
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The cost of international travel insurance varies from person to person and trip to trip. There's no single price because your premium is calculated based on your specific trip and circumstances.
Factors that affect the cost of travel insurance include:
- Destination: Some regions and countries carry higher premiums than others.
- Trip length: Generally, the longer your trip, the more insurance will cost.
- Traveller age: Age is a factor in how costs are calculated.
- Level of cover: A comprehensive plan will cost more than a basic plan but will offer higher limits and more protection.
- Excess: Choosing a lower excess typically increases your premium.
- Health: If you have a medical condition that isn’t automatically covered, your premium can be affected.
- Optional extras: Add-ons like cover for cruises or snow sports will affect the final price.
The best way to find out what you'll pay is to get a quote – it only takes a few minutes. RACV Members save 15% on their premium.*
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It’s generally recommended to purchase international travel insurance as early as possible – ideally when you make your first trip payment.
If you purchase a policy with cancellation cover, you'll usually have immediate coverage for eligible prepaid, non-refundable costs. This means you may be able to make a claim for covered cancellation expenses if your holiday can't go ahead due to an unforeseen circumstance covered under the policy.
Travel insurance must be purchased before you leave Australia, but if your trip is coming up soon you can still get covered right up until your departure date.
Cancellation cover is available with RACV Comprehensive, Essentials and Annual Multi-Trip policies and cover begins immediately upon purchase. Get a quote today – it only takes a few minutes. RACV Members save 15%.*
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No, RACV Travel Insurance must be purchased before you leave Australia. Once your trip has started, you won't be able to take out a new policy.
If you're planning to extend a trip that's already underway, it may be possible to extend an existing policy, but this is subject to insurer approval and conditions.
If you need to extend an existing RACV Travel Insurance policy while overseas, contact the insurer on +61 2 8055 1642 to discuss your options. Note that you must contact RACV before your policy expires. Expiry dates are based on Australian time zones.
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In some circumstances, yes. If your trip is delayed or disrupted due to a reason covered under your policy, cover may be extended automatically at no additional cost.
If you simply want to keep travelling for longer, an extension can be requested, subject to approval and payment of any additional premium.
A few things to keep in mind:
- Extensions must be requested before your current policy expires. Expiry dates are based on Australian time zones.
- The total combined period of cover cannot exceed 12 months.
- Annual Multi-Trip policies cannot be extended.
If you’re already overseas, RACV Travel Insurance policyholders can request an extension by:
- Calling +61 2 8055 1642, Mon–Fri 8am–9pm, Sat–Sun 9am–6pm (AEST)
- Emailing your request to racvclaims@tmnfatravelinsurance.com.au
If you want to request an extension before departure, call the RACV Sales team on 13 13 29.
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In short, it depends on the type of cruise you’re taking:
- River cruises: Both international and domestic river cruises are usually covered under a standard travel insurance policy.
- Ocean cruises: If you spend more than one night on the sea or ocean, you'll typically need specific cruise cover, even if the cruise is taking place in Australian waters (as onboard care isn’t covered by Medicare or private health insurance).
You can add Cruise cover to your RACV Annual Multi-Trip travel insurance policy which includes benefits for onboard medical cover, cabin confinement, missed ports and more.** RACV Members save 15% off the total premium.*
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In most cases dependent children can be included on an adult's travel insurance policy at no additional cost, provided they meet the relevant criteria.
RACV Travel Insurance covers an unlimited dependants – including children, stepchildren, foster children and grandchildren – at no additional cost++, provided they are:
- Aged 25 or under at the time the policy is purchased
- Financially dependent on a parent or grandparent and not working full time
- Travelling with you for the entire trip
- Listed on your Certificate of Insurance as a Dependant
- Not working full time
- Do not require a medical assessment
All dependants are covered under the same plan and benefit limits as the adults on the policy. However, some benefits are covered per person. Refer to the combined PDS/FSG for more information.
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* RACV Travel Insurance Member discount applies to the premium only (not applicable taxes).
^ ‘Unlimited’ means there is no cap on the maximum dollar amount which may be paid out for this benefit, noting that how much is payable for a benefit depends on the specific cover in the relevant section of the Policy Wording and any applicable exclusions. Medical, hospital, dental or any ancillary benefits or expenses incurred more than 12 months from the time treatment for the injury or illness was first received will not be covered. Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to the combined PDS/FSG for full details.
~~ $unlimited means there is no cap on the maximum dollar amount which may be paid out for this benefit, noting that how much is payable for a benefit depends on the specific cover in the relevant section of the Policy Wording and any applicable exclusions.
## These limits are per policy.
⋄ Limited COVID-19 cover is only available for specific benefits and sub-limits apply. Refer to the PDS for full details, inclusions, exclusions and applicable limits.
# Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to the combined PDS/FSG for full details.
++ Dependant means any of your children, stepchildren, foster children or grandchildren who are 25 years of age or under at the time you purchase your policy, financially dependent on their parents or grandparents, not working full time, travelling with you for your entire trip and listed on the Certificate of Insurance as your Dependant. Dependants can be covered at no extra cost if they have not disclosed any medical conditions requiring assessment. Terms, conditions, exclusions, limits and sub-limits apply. Refer to the PDS for full details.
ǂǂ Cruise Benefits section does not apply to river cruising. Refer to the combined PDS/FSG for full details.
† Some cover benefit limits or sub-limits may be less than your chosen excess and therefore the insurer may not contribute anything to your claim.
⋄⋄ For more awards information, refer to https://mozo.com.au and https://www.wemoney.com.au/wemoney-travel-awards-2026.
§§ Pregnancy must meet specific criteria. Cover is included automatically up to the end of the 25th week of your pregnancy for a. single non-complicated pregnancies; b. unexpected pregnancy complications; and c. childbirth which was accelerated by accidental injury in limited circumstances. Terms, conditions, exclusions, limits and sub-limits apply. Refer to the PDS for full details.
** Refer to the combined PDS/FSG to determine if Cruise cover is required for your trip. Terms, conditions, limits, sub-limits and exclusions apply.
Get organised before your trip
Travel alerts
RACV Travel Insurance won't cover you for destinations with a "Do Not Travel" status.
Check travel status before you plan and start your trip.
Royal Automobile Club of Victoria (RACV) Limited (ABN 44 004 060 833, AR No. 1243563) (RACV) is an authorised representative of the RACV Travel Insurance insurer Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548) (Tokio Marine). Tokio Marine Management (Australasia) Pty Ltd (ABN 69 001 488 455, AR No. 1313066) is an authorised representative of Tokio Marine, and administers RACV Travel Insurance as the managing agent on behalf of Tokio Marine.
Terms, conditions (including eligibility criteria), exclusions, limits and sub-limits apply. Any advice is general advice only, and does not take into account your specific objectives, financial situation or needs. Before you purchase, please consider the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) and Target Market Determinations (TMDs) available on RACV’s website, or on request from RACV.